What is Paramedic Malpractice Insurance?
First responders who work in the medical field take daily risks to provide care for patients in emergency situations. As needed and sacrificial as this care can be, first responders need to protect themselves from their assumed risks whenever it’s possible to. One way responders in Massachusetts can shield themselves from certain covered risks is by getting paramedic malpractice insurance.
Paramedic malpractice insurance policies are specialized medical malpractice policies that have been designed with the risk exposure of paramedics in mind. These policies frequently don’t have all the protections that a physician’s malpractice policy will come with, but they still provide robust protection for first responders working in the field.
What First Responders in Massachusetts is EMT Malpractice Insurance Right For?
In general, the vast majority of medical first responders working in Massachusetts ought to have EMT malpractice insurance in place. This broadly includes most emergency medical technicians, paramedics, wilderness responders and others who provide a similar level of care.
Higher-level medical providers will likely find that this type of malpractice coverage doesn’t adequately meet their needs. Nurses, physician’s assistants and doctors, for example, usually need different policies.
This probably also isn’t an appropriate insurance for some other first responders, such as police officers. Firefighters and other responders who provide medical care but also perform other critical work might need this or another type of insurance policy.
Responders who are unsure whether they should get EMT malpractice insurance can ask an insurance agent who specializes in this coverage. A specialized agent will know what kinds of risks various first responders often face, and the agent will know whether this type of policy adequately mitigates those risks.